Please be aware that mortgage and HELOC scheduled automated payments will be processed the evening of the scheduled date. The payment will be reflected on your account the following business day with the effective date that it was scheduled for.
Please be aware that mortgage and HELOC scheduled automated payments will be processed the evening of the scheduled date. The payment will be reflected on your account the following business day with the effective date that it was scheduled for.
Certificates
A CapEd Certificate is a great way to save and earn a higher dividend rate than other savings or checking accounts.
Start Saving with a CertificateBenefits & Features
- No monthly service charges
- Earns a fixed rate dividend until maturity
- Terms of 6 months to 60 months
- Paper or e-statements
- Earns dividends that are compounded and credited quarterly
- Dividends may be accumulated in the account or transferred to another account
- Federally insured by NCUA
Certificate Options
CapEd offers two primary certificate options of Share Certificates, which include a promotional rate, and Smart Step Certificates.
Share Certificates
With as little as $500, members can invest in a fixed rate share certificate and maximize their earnings. A minimum balance of $500 is required with terms of 6 to 60 months available.
Promotional Certificates
Minimum Deposit for promotional certificates.
$500.00
Highest Dividend Available for promotional certificates.
3.95% APY1
Shortest Term Available for promotional certificates.
6 Months
Longest Term Available for promotional certificates.
5 Years
| Term | Minimum Deposit | Dividend Rate | APY2 |
|---|---|---|---|
| 6 Months | $500.00 | 3.89% | 3.95% |
| 12 Months | $500.00 | 3.84% | 3.90% |
| 18 Months | $500.00 | 2.97% | 3.00% |
| 24 Months | $500.00 | 3.16% | 3.20% |
| 36 Months | $500.00 | 3.26% | 3.30% |
| 48 Months | $500.00 | 3.36% | 3.40% |
| 60 Months | $500.00 | 3.455% | 3.50% |
Important Information: All promotional certificates must be opened with funds that are not currently held in a CapEd Credit Union account or that have been deposited to a CapEd Credit Union account less than 30 days.
Standard Certificates
Minimum Deposit for standard certificates.
$500.00
Highest Dividend Available for standard certificates.
2.25% APY1
Shortest Term Available for standard certificates.
6 Months
Longest Term Available for standard certificates.
5 Years
| Term | Minimum Deposit | Dividend Rate | APY2 |
|---|---|---|---|
| 6 Months | $500.00 | 1.49% | 1.50% |
| $10,000.00 | 1.54% | 1.55% | |
| $50,000.00 | 1.59% | 1.60% | |
| 12 Months | $500.00 | 1.74% | 1.75% |
| $10,000.00 | 1.79% | 1.80% | |
| $50,000.00 | 1.84% | 1.85% | |
| 18 Months | $500.00 | 1.84% | 1.85% |
| $10,000.00 | 1.89% | 1.90% | |
| $50,000.00 | 1.94% | 1.95% | |
| 24 Months | $500.00 | 1.94% | 1.95% |
| $10,000.00 | 1.99% | 2.00% | |
| $50,000.00 | 2.03% | 2.05% | |
| 36 Months | $500.00 | 2.03% | 2.05% |
| $10,000.00 | 2.08% | 2.10% | |
| $50,000.00 | 2.13% | 2.15% | |
| 48 Months | $500.00 | 2.08% | 2.10% |
| $10,000.00 | 2.13% | 2.15% | |
| $50,000.00 | 2.18% | 2.20% | |
| 60 Months | $500.00 | 2.13% | 2.15% |
| $10,000.00 | 2.18% | 2.20% | |
| $50,000.00 | 2.23% | 2.25% |
Smart Step Certificates
A Smart Step Certificate can be opened by or for members under age 26. A minimum deposit of $25 is all that is required for a Smart Step Certificate. 6-month and 12-month options are available. You can make deposits into a Smart Step Certificate at any time.
Minimum Deposit for smart step certificates.
$25.00
Highest Dividend Available for smart step certificates.
3.95% APY1
Shortest Term Available for smart step certificates.
6 Months
Longest Term Available for smart step certificates.
1 Year
| Term | Minimum Deposit | Dividend Rate | APY2 |
|---|---|---|---|
| 6 Months | $25.00 | 3.89% | 3.95% |
| 12 Months | $25.00 | 3.84% | 3.90% |
Request a Certificate
Certificate Resources
Calculators to help you find out how much interest you can earn on a Share Certificate.
Find out how much of a dividend you can earn on a certificate.
Share Certificate Ladder Calculator
Examine the benefits of investing in a series of certificates with different maturities, also called a Certificate Ladder.
Questions?
Disclosures
1 APY is Annual Percentage Yield. Rates are accurate as of the effective date indicated. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Promotional rates offered for a limited time.
